That's because there's only a narrow, year-end period to enroll in the ACA, designed to encourage people to sign up before they're sick. Without it, the logic goes, people would just wait to buy insurance until they need it. That's untenable for insurance companies.But that was cold comfort for Schaan, who needed to make ends meet now—not in January. "I'm like, OK, I don't have $600. I just paid day care, I just paid rent. I don't have $600 to give you.